Caroline County
Virginia · FIPS 51033
According to CFPB HMDA 2024 application volume among U.S. counties, Caroline County ranks #857 of 3,223, and #36 of 133 in Virginia.
Mortgage lending activity in Caroline County, Virginia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Caroline County, Virginia lenders denied 438 of the applications reported here, financing the rest at an average note rate of 7.07%, with applicants self-reporting average annual income of $40K. 163 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Caroline County
In Caroline County, lead originator Rocket Mortgage funded only 7.0% of 1,109 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Caroline County's 2,324 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Caroline County's $255,456 average loan (deduped against volume peers).
Lenders active in Caroline County
Rocket Mortgage funded 78 of the 1,109 loans originated in Caroline County, 7.0% of the county. 163 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 78 | 7.0% |
| 2 | Nvr Mortgage Finance, INC. | 69 | 6.2% |
| 3 | Loandepot.Com, LLC | 68 | 6.1% |
| 4 | United Wholesale Mortgage | 67 | 6.0% |
| 5 | Movement Mortgage, LLC | 61 | 5.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Caroline County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Caroline County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.